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Finance / AI Budgeting & Cash Advance

Is Cleo Legit?

Yes, Cleo appears legit

Cleo scores 100/100 for review authenticity with no suspicious review patterns detected -- 597 reviews analyzed across every storefront we track, against 154,811 official ratings.

Avg Rating
4.7
Reviews Analyzed
597
Storefronts
30
Authenticity
100/100
No suspicious patterns detected -- authenticity score 100/100

What reviewers say about trust & legitimacy

US ·Google Play
2026-09-12

They are holding my direct deposit. My first direct deposit is not available and customer support is unhelpful. Ive already provided them my sheckstub and the trace number proving that my employer has sent my money and Cleo claims they don't having and it directly affects my livelihood and my family's needs. The decision to trust Cleo and Thread Bank with my financial needs was a mistake and I will be canceling my direct deposit plan with them. I do not recommend their service.

Rich Smith
US ·Google Play
2026-09-12

rip off youll get 150 advance but only 30 bucks at a time every 24 hours that way they can charge you 5.99 on every 30 advance so basically 150 spread out over 5 days for the price of 30 bucks no other app rips off like cleo. 5 stars for the grant app i have no complaints choose them you will be glad you did

Tara Collins
US ·Google Play
2026-09-12

Takes your money and doesn't let you borrow. Scam

William Darden
US ·Google Play
2026-09-12

Cleo is a scam! You try and get an advance and they charge a fee for every $170 taken out of $600 and you will pay back over $700. Getting to chat with a representative is over a 2 hour wait. Then when you finally get to chat with a representative, they tell you there is nothing they can do to help with your issues. I would NOT use Cleo ever!!

Michelle Jenkins
US ·Google Play
2026-09-11

not what you expect. total bait and switch. then...I made the mistake of setting up direct deposit for a percentage of my check. they absorbed my entire check and the funds are unavailable since they go in a security trust for the credit card. what a total scam and this has set me back because not only can I not pay bills...because the money is deposited to a CREDIT CARD I also cannot avoid s fees. I'm screwed for two weeks and regret ever doing this.

Angel
US ·Google Play
2026-09-10

this app sponsors scam app to advertise apps that promise profits like part time now which wasted precious time for nothing and while scamming me pushed this app in my face if this app is ok being promoted by such swindlers then they are in the same boat as the scam

Fla Freak

Ratings by Country

UAEGoogle Play6N/AN/A
Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently...
CanadaGoogle Play0151,5573.7
Users consistently praise Cleo for its ease of use, speed in delivering cash advances, and helpfulness with budgeting and credit building. U...
DenmarkGoogle Play0151,5664.6
Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently...
SpainGoogle Play100N/AN/A
Users consistently praise the app's ease of use, speed, and helpfulness in providing cash advances, but frequently report technical issues s...
FranceGoogle Play14N/AN/A
Users consistently praise the app's budget management and cash advance features, but frequently complain about the tone and personality of t...
United KingdomApp Store3763,2454.5
Users consistently praise Cleo for being easy to use, fast, reliable, and helpful for budgeting and accessing quick cash advances. Users con...
United KingdomGoogle Play0151,5663.7
Users consistently praise Cleo for being easy to use, fast, reliable, and helpful for budgeting and accessing quick cash advances. Users con...
IcelandGoogle Play0151,5664.6
Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently...
South KoreaGoogle Play1N/AN/A
Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently...
MexicoGoogle Play0151,5665.0
Users consistently praise the app's ease of use, speed, and helpfulness in providing cash advances. However, users frequently report technic...
United StatesGoogle Play100151,5664.7
Users consistently praise Cleo for being easy to use, reliable, and helpful for quick cash advances and budgeting, but frequently complain a...
Google Play served the identical review set for Australia, Canada, United Kingdom, India, Mexico, Saudi Arabia as another English-language storefront above -- Play does not segment reviews by country the way the App Store does, so these are not counted twice.
38 additional storefronts checked with zero reviews: UAE, Austria, Australia, Belgium, Brazil, Brazil, Canada, Switzerland, Switzerland, Germany, Germany, Denmark, Spain, Finland, France, Indonesia, Indonesia, Ireland, India, Iceland, Italy, Italy, Japan, Japan, South Korea, Mexico, Netherlands, Netherlands, Norway, Norway, New Zealand, Poland, Portugal, Saudi Arabia, Sweden, Sweden, Singapore, United States

Reddit Mentions (Last 30 Days)

22
posts mentioning Cleo on Reddit, last 30 days

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